![]() Your work-related injury doesn’t necessarily have to be the result of one incident. Should you die on the job, there’s also a chance the workers’ compensation plan will pay out benefits to your family, or beneficiary. You submit your claim with all paperwork fully completed.You are within the state deadlines for filing.Your employer has an active workers’ compensation plan.Here’s a shortlist of the criteria you’ll need to meet: In addition to being an employee hurt at work, you also have to meet other criteria to receive workers’ compensation funds. By accepting no-fault coverage, the employee also surrenders their right to sue the employer for their illness or injury. Rather than having to prove the employer’s negligence caused the injury, they only need to prove it was work-related. Insurance programs, like workers’ compensation, that are no-fault, weigh in the favor of the employee. However, it’s important to keep in mind that every workers’ compensation plan is a no-fault type of coverage. The number of financial compensation employees receives varies case-by-case and state-by-state. The injured employee will also be able to receive a portion of their regular wages while they’re unable to attend work. The coverage only applies if the medical care is treating a work-related ailment. It’s also up to the individual states to mandate the coverage limits employers need for their workers.Įmployees can use the insurance coverage to receive medical treatment for either their injury or illness. The program’s purpose is to insure employees for any injuries, or illnesses, that arise as a result of the job.Įach state has its laws surrounding whether or not they require employers to carry workers compensation. Workers’ compensation is a type of insurance program. Read on to learn everything you need to know about making workers’ compensation work for you. Luckily, there is help out there for employees who get hurt, even if the injury doesn’t take place at work. Usually right after the incident employees find themselves asking, “If I get injured at work do I get paid?” ![]() A trip to the hospital, and several X-rays later, doctors confirmed that the popping sound was his leg bone breaking.įractures, along with strains, cuts, contusions, and inflammation make up the five most common workplace injuries. Losing his balance, he fell hard on his left leg and heard a loud popping sound. While carrying a box of supplies into the office building, Jose’s foot slipped on the welcome mat.
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